Credit report of individuals and companies
The UAE provides official credit reports service to individuals and companies. These reports help applicants understand their debt levels and have a clear picture of their financial obligations. This will in turn enhance their ability to plan for future borrowing and manage their finances responsibly.
Credit report of individuals and companies
What is a credit report and where can you obtain it?
A credit report is a summary of your personal information, financial obligations and bills for the past 3 years, as well as your last reported salary. This data is collected from banks, financial companies, telecom and utility providers, courts and government entities.Financial institutions need to assess the credit standing of an individual or company, when reviewing an application for a loan, credit card or other credit facilities.
Companies and individuals can check their credit report before applying for a loan, credit card or other credit facility.
Al Etihad Credit Bureau (AECB), a Public Joint Stock Company, which is wholly owned by the UAE federal government, issues credit reports for both; companies and individuals - nationals and residents.
What is included in your credit report?
The credit report includes:
- Credit score - it is a number that represents your ability to pay your loans and financial obligations.
- Income utilisation ratio - this shows how your payments impact your last reported income.
- Payment history - it is a record of your loan and bill payments for the last 36 months.
- Credit contracts - it is a summary of all your loans and credit cards.
- Court obligations it is a summary of court-ordered financial obligations.
How can individuals apply for a credit report?
You can obtain your credit report through the Etihad Credit Bureau website or mobile app by following the steps below:
- Log in using UAE Pass.
- Select Credit report or Credit score.
- Pay the fee online.
- Your report will be available instantly as a PDF.
Read more on the AECB website.
How can companies apply for a credit report?
To get a credit report for your company, visit the AECB website and submit your application. Then, visit any of the 250+ Al Ansari Exchange branches in the UAE and present the following documents:
Updated on:
10 Mar 2026
